Tl;dr: How do I tell my boyfriend about my $10,000+ credit card debt?
My boyfriend and I have started to hint at getting engaged in the future (dating just over a year). My guess is that it will happen over the summer. Even though we live together, we don't really talk finances. We know approximately how much the other person makes and we split rent down the middle, but that's about it.
Unfortunately, I've gotten myself into a bad situation with credit card debt. I currently have approx. 10-12k in debt that I'm really struggling to get rid of. Most of it is from college/post grad before I started my salaried job. Now I have a full-time salaried job, but I haven't made a dent in my debt. Every month I have plans to make a payment, but at the end of the month I don't have anything left. So I'm not necessarily accumulating more debt, but I'm letting it linger.
Any advice is welcome. How do you talk to a SO about your debt? I'm afraid that if he finds this out, marriage talk will be off the table (because weddings are so expensive already). Also as for reducing the debt, I know how to set a budget, but I struggle with self-restraint. Also, my boyfriend makes about 15K more than me and so I have similar expenses to him but far less income. For example, he wants to order takeout almost every night but I really need to reduce the amount of money I spend dining out.
Submitted January 20, 2020 at 12:36PM by theworldneedscolor https://ift.tt/3asRQcX
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